The Life Settlement Knowledge and Valuation Hub

What Are Life Settlements?

A life settlement is the sale of an existing life insurance policy to an institutional buyer. The policy owner receives a lump-sum payment, while the buyer (usually institutional investors) becomes the new owner, takes over premium payments and eventually collects the death benefit. Life settlements give policyholders a regulated and structured way to turn an unwanted or unaffordable policy into meaningful cash value.

• Regulated in most U.S. states
• Provides liquidity from an asset many people don't realize they can sell
• The policy owner receives the payout

How the Life Settlement Process Works

1. Submit Your Information — Answer a few questions about your policy and health profile to begin the valuation process.
2. If Relevant—Receive a Conditional Offer — A licensed life settlement buyer (provider) may make an estimated offer based on your policy and state of health.
3. Medical and Policy Verification — With your authorization, medical records are obtained and policy documents are reviewed to understand premium requirements, coverage structure, life expectancy and long-term sustainability.
4. Final Offer and Closing — Once verification is complete, you receive a final life settlement offer. Closing is handled through established and regulated procedures designed for transparency and safety.
5. Get Paid — Funds are securely disbursed as a cash payment after the closing process.

Regulated settlement activities are conducted through our licensed affiliate, ensuring compliance with applicable state laws.

Does My Life Insurance Policy Have Value?

Many policyholders are surprised to learn that their life insurance policy may qualify for a settlement. Factors such as health, age (impacting insured's life expectancy), policy type, the life insurance company that issued the policy, face value and future premiums all influence value. The key question is whether selling your policy makes financial sense for your goals today.

Common valuation drivers:

• Age and health profile - note: you don't need to be terminally or chronically ill to qualify
• Policy type such as UL, IUL, whole life insurance, or a converted Term policy
• Premium requirements and projected cost
• Cash surrender value
• Remaining coverage duration

Our valuation engine helps you understand how these elements work together.

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Who We Are

We are a hybrid valuation and marketplace platform created by professionals with deep experience in the life settlement industry. Our goal is to bring clarity, transparency, and accurate information to an area that is often confusing for policyholders. We provide unbiased valuations and help users understand their options, and when they decide to move forward, we connect them with licensed affiliates who can potentially make an offer to buy their policies.

What sets us apart:

• Industry and underwriting expertise
• Advanced valuation and premium-modeling technology
• Transparent and educational approach
• No-pressure experience
• Support throughout the entire process
• Regulated activities handled by a licensed affiliate

How We're Compensated

Transparency matters to us, including how we make money.

Life Settlement Labs receives a referral fee from licensed life settlement providers when a policy we refer results in a completed transaction. This fee is paid by the provider, not by you. It does not reduce your settlement payout.

We do not charge fees for valuations, consultations, or access to our educational resources. Our platform is free to use.

Your Data Is Protected

We take your privacy seriously. Life Settlement Labs uses bank-level encryption to protect your information, and we never sell your health data to advertisers. The medical and lifestyle information you share is used solely to estimate your policy's value, nothing more.

• Encrypted in transit and at rest
• No sale of data to third parties
• HIPAA-equivalent security standards
• You control your data—request deletion anytime

Read Our Full Privacy Commitment →